Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Duane

We highly recommend Embrace

We have and will continue to recommend Embrace to every pet owner we know. We have been nothing short of pleased with the service and response Embrace has consistently proven to us. We tell this to our vet every chance so he recommends Embrace to all his patients (patients owners)!!!
5

out of 5

POSTED: | BY: Witte

They're nice even if you make a mistake

I have recently insured my cats for the first time and purchased wellness coverage. I took one of my cats for a checkup as well as treatment for a pre-existing condition. When I submitted the claim, I indicated it was for a wellness checkup only. They caught and notified me of the mistake, and then politely reminded me when I was... well, lazy... about resubmitting the corrected form. Once they got the correction, they paid the claim really fast. Really, really fast, actually. One doesn't usually expect such conscientious customer service from an insurance company!
5

out of 5

POSTED: | BY: Carly

One of a kind...

I did my research thoroughly and definitely wanted a 'wellness' program so after careful reading ALOT of the reviews on this site, I decided to get Embrace(they offer 100% on wellness w/ no deductible & no co-pays!) They are genuine when it comes to customer service and definitely care for your pet's well being. Prompt, courteous, responsive emails. PLUS they offer direct deposit!!! Even better !! Got an email stating 2 business days for my refund.
5

out of 5

POSTED: | BY: Megan

Thank you thank you!

Ever since I found out that the love of my life had hip and elbow displaysia it's been an up hill battle. Thanks to Embrace she will be able to get the rehab she needs for her hips to keep her from having surgery! THANK you THANK you Embrace!!
5

out of 5

POSTED: | BY: Mark

A little stumble then first rate service

My little girl Shade had had nothing but routine shots and checkups from her vet, then she got a nose infection and was treated, to a great outcome, the insurance asked for all her records, witch i had provided or so i thought at the beginning of her policy, that by the way i switched from another carrier that was to hard to deal with and very user unfreindly.After embrace contacted my vet and got what they needed it was straight forward and done in a very timely manner im very satisfied with my service and it only reinforces that I made the right choice to switch insurance carriers. P.S. notice Embrace took the lead in getting what they needed to compleate the claim instead of me having to take the time to play middle man, thank you Mark
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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